The money market account is a good idea. I hadn't thought about that.

I have several other retirment accounts and just before I was laid off, I had almost cleared out my savings to pay down the bulk of my credit card debt. This is the only account I can feasably access. I have several other rollover accounts etc that would incurs penalty's on redemption.

I was on an AMI plan, JANUS, and have discontinued the payments. It kills me to stop, but I just don't have the cash. I don't think I will need the money, but I need to have it available in case of an emergency (i.e. my car which I was just about to replace, breaking down)

I hate to take the loss more than anything. I do itemize but I would prefer the market to come back :-) just like everyone. I did get burned with Janus by not realizing how much cross investing all of the different plans had. I am trying to clean that up now and this is just a first step.

Pat